FICO1 Stock Chart & Stats
$19800.05
-$315.00(-1.43%)
At close: 4:00 PM EDT
$19800.05
-$315.00(-1.43%)
Day’s Range― - ―
52-Week Range$10,620.00 - $32,460.00
Previous CloseN/A
Volume71.00
Average Volume (3M)255.00
Market Cap
$288.58B
Enterprise Value$32.47B
Total Cash (Recent Filing)$248.44M
Total Debt (Recent Filing)$5.60B
Price to Earnings (P/E)20.4
Beta0.22
Next Earnings
Nov 04, 2026EPS Estimate
201.94Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)34.81
Shares Outstanding21,597,635
10 Day Avg. Volume40
30 Day Avg. Volume255
Financial Highlights & Ratios
PEG Ratio1.89
Price to Book (P/B)-20.78
Price to Sales (P/S)18.22
P/FCF Ratio47.12
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
$19,348.83Price Target Upside-2.28% Downside
Rating ConsensusModerate Buy
Number of Analyst Covering16
EPS Forecast (FY)914.13
Revenue Forecast (FY)$51.88B
Bulls Say, Bears Say
Bulls Say
Platform ARR GrowthPlatform growth is strengthening FICO’s recurring software model: platform ARR rose 62% and platform NRR reached 148%, indicating existing customers are expanding usage. This land-and-expand momentum, supported by 21% SaaS growth, can improve revenue durability as adoption scales.
Profitability And Cash GenerationExceptional margins and strong conversion of earnings into free cash flow give FICO substantial internal funding capacity. This supports product investment, debt reduction, and resilience across the business, while high operating leverage can preserve attractive profitability as revenue expands.
Scoring Product StrengthEvidence of stronger predictive performance and broader scoring capabilities reinforces FICO’s product differentiation in credit decisioning. Adoption by major lenders, Plaid integration, and expanded distribution can deepen ecosystem relevance and support continued usage across lending markets.
Bears Say
High LeverageFICO’s debt-funded capital structure reduces financial flexibility despite strong cash generation. Higher interest expense can absorb more operating cash, while the need to prioritize deleveraging may constrain buybacks, investment choices, and the company’s ability to respond to weaker conditions.
Legacy Revenue DeclinesThe decline in legacy and non-platform operations creates a transition risk as FICO shifts toward platform offerings. Weak retention and lower point-in-time license renewals can offset platform growth, make software results lumpier, and pressure revenue stability during the migration period.
Mortgage Volume SensitivityMortgage scoring remains exposed to lending activity, which is constrained when interest rates and affordability reduce originations. This sensitivity can make Scores revenue uneven across quarters and limits the predictability of growth, even when FICO continues gaining share or improving its products.
FICO1 FAQ
What was Fair Isaac Corporation’s price range in the past 12 months?
Fair Isaac Corporation lowest stock price was $10620.00 and its highest was $32460.00 in the past 12 months.
What is Fair Isaac Corporation’s market cap?
Fair Isaac Corporation’s market cap is $288.58B.
When is Fair Isaac Corporation’s upcoming earnings report date?
Fair Isaac Corporation’s upcoming earnings report date is Nov 04, 2026 which is in 4 days.
How were Fair Isaac Corporation’s earnings last quarter?
Fair Isaac Corporation released its earnings results on Jul 29, 2026. The company reported $228.823 earnings per share for the quarter, beating the consensus estimate of $220.951 by $7.872.
Is Fair Isaac Corporation overvalued?
According to Wall Street analysts Fair Isaac Corporation’s price is currently Overvalued.
Does Fair Isaac Corporation pay dividends?
Fair Isaac Corporation does not currently pay dividends.
What is Fair Isaac Corporation’s EPS estimate?
Fair Isaac Corporation’s EPS estimate is 201.94.
How many shares outstanding does Fair Isaac Corporation have?
Fair Isaac Corporation has 21,597,635 shares outstanding.
What happened to Fair Isaac Corporation’s price movement after its last earnings report?
Fair Isaac Corporation reported an EPS of $228.823 in its last earnings report, beating expectations of $220.951. Following the earnings report the stock price went down -8.703%.
Which hedge fund is a major shareholder of Fair Isaac Corporation?
Currently, no hedge funds are holding shares in MX:FICO1
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Fair Isaac Stock Smart Score
Underperform
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5
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7
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9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$19,348.83 (-2.28% Downside)
$19,348.83 (-2.28% Downside)
Blogger Sentiment
Bullish
MX:FICO1 Sentiment 71%
Sector Average 64%
Sector Average 64%
Insider Transactions
Sold Shares
Worth $25.3M over
the Last 3 Months
the Last 3 Months
News Sentiment
Bearish
Bullish news 29%
Bearish news 71%
Bearish news 71%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-55.13%
12-Months-Change
Fundamentals
Return on Equity
-33.43%
Trailing 12-Months
Asset Growth
9.42%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
Fair Isaac Corporation
Fair Isaac Corporation, also known as FICO, delivers advanced analytics, software solutions, and data management services designed to help businesses optimize, automate, and interconnect their crucial decision-making processes. These offerings reach clients across the Americas, Europe, the Middle East, Africa, and the Asia Pacific region. The company operates through two main divisions: Software and Scores. The Software segment provides pre-configured decision management solutions catering to a variety of business challenges and operations, including marketing strategy, account creation, customer relations, engagement, fraud detection, financial crime compliance, and debt collection, alongside related professional services. Key among its offerings is the FICO Platform, a modular software suite built to support sophisticated analytical and decision-making applications. This segment also supplies stand-alone analytical and decisioning software that customers can customize for a broad spectrum of business needs. Conversely, the Scores segment offers both business-to-business (B2B) and business-to-consumer (B2C) solutions. Its B2B scoring services empower corporate clients with analytics that can be integrated directly into their transaction flows and decision frameworks. For individual consumers, the segment provides B2C scoring via offerings such as myFICO.com subscriptions. FICO markets its diverse product and service portfolio primarily through its dedicated direct sales force, various indirect distribution channels, and its online presence. Established in 1956 as Fair Isaac & Company, Inc., the company officially adopted the name Fair Isaac Corporation in July 1992 and maintains its headquarters in Bozeman, Montana.
FICO1 Company Deck
FICO1 Earnings Call
Q3 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call highlights very strong financial performance (double-digit revenue and earnings growth), robust cash generation, record capital returns, and accelerating platform momentum and ARR — all of which drove an upward revision to FY guidance. Counterbalancing these positives are sector-specific headwinds (soft mortgage volumes due to higher rates), declines in legacy/non-platform revenues and professional services, elevated leverage with higher near-term interest expense, and ongoing competitive/operational risks (GSE certification delay for the DLP and score-shopping pressure from VantageScore). Overall, the positives (revenue/earnings growth, platform adoption, cash generation and strategic partnerships) outweigh the challenges, but there are clear near-term risks to monitor.View all MX:FICO1 earnings summariesFICO1 Revenue Breakdown
58.70% Scores
41.30% Software

FICO1 Stock 12 Month Forecast
All Analysts
Top Analysts
Average Price Target
$19,348.83
▼(-2.28% Downside)
Technical Analysis
1 Day
3 Days
1 Week
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